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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK LIFE INSURANCE Service code 15 · EIN 01-0233346 | Recordkeeping | $985 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $27,522 | $73,638-62.6% | $95,964-71.3% | $73,497-62.6% |
| Participation rate | 50.9% | 76.2%-25.3pp | 77.1%-26.2pp | 70.7%-19.8pp |
| Annual return | 24.08% | 16.78%+7.3pp | 91.64%-67.6pp | 28.51%-4.4pp |
| Employer contribution / active EE | $1,569 | $1,863-15.8% | $2,541-38.3% | $2,270-30.9% |
| Participant deferral / active EE | $2,856 | $3,617-21.0% | $4,167-31.4% | $3,740-23.6% |
| Admin fee / account holder | $413 | $482-14.3% | $6,797-93.9% | $513-19.5% |